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Hazlitt's definition of the man of business—The chief requisite qualities—Men of genius men of business—Shakespeare, Chaucer, Spenser, Milton, Newton, Cowper, Wordsworth, Scott, Ricardo, Grote, J. S. Mill—Labour and application necessary to success—Lord Melbourne's advice—The school of difficulty a good school—Conditions of success in law—The industrious architect—The salutary influence of work—Consequences of contempt for arithmetic—Dr. Johnson on the alleged injustice of "the world"—Washington Irving's views—Practical qualities necessary in business—Importance of accuracy—Charles James Fox—Method—Richard Cecil and De Witt: their despatch of business—Value of time—Sir Walter Scott's advice—Promptitude—Economy of time—Punctuality—Firmness—Tact—Napoleon and Wellington as men of business—Napoleon's attention to details The 'Napoleon Correspondence'—Wellington's business faculty—Wellington in the Peninsula "Honesty the best policy"—Trade tries character—Dishonest gains—David Barclay a model man of business

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The right use of money a test of wisdom—The virtue of self-denial—Self-imposed taxes—Economy necessary to independence—Helplessness of the improvident—Frugality an important public question Counsels of Richard Cobden and John Bright—The bondage of the improvident—Independence attainable by working men—Francis Horner's advice from his father—Robert Burns—Living within the means—Bacon's maxim—Wasters—Running into debt—Haydon's debts—Fichte—Dr. Johnson on debt—John Locke—The Duke of Wellington on debt—Washington—Earl St. Vincent: his protested bill—Joseph